Wealth Growth Calculator
Project your future net worth based on current assets, monthly savings, and expected return. Plan your path to financial independence.
Calculator
Wealth Growth Calculator
Projected net worth
4 594 096 SEK
Total contributed
1 800 000 SEK
Growth from returns
2 294 096 SEK
Return on contributions
+99.7%
Track your actual net worth across all asset classes with Findex.
Get started for freeWhat is net worth — and why project it?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's the single most important number in your financial life.
Projecting your net worth helps you answer the fundamental question: if I keep doing what I'm doing, where will I be in 10, 20, or 30 years?
How the wealth growth calculator works
This calculator combines two growth drivers:
1. Your existing net worth — growing through investment returns
2. Your ongoing monthly savings — each contribution also compounds over time
The formula used is a standard future value calculation:
FV = NW × (1 + r)^t + PMT × ((1 + r)^t − 1) / r
Where:
- NW = current net worth
- r = monthly return rate (annual rate ÷ 12)
- t = total months
- PMT = monthly savings
The two levers of wealth building
Savings rate is in your control today. Every additional 1,000 SEK per month compounded at 7% over 20 years adds ~620,000 SEK to your net worth.
Return rate comes from asset allocation. A diversified portfolio in global equities has historically returned 7–10% annually. Your exact return depends on how you invest.
The most powerful outcome is optimizing both simultaneously.
Setting realistic expectations
| Scenario | Current NW | Monthly savings | Return | 20-year projection |
|---|---|---|---|---|
| Conservative | 500,000 SEK | 5,000 SEK | 5% | ~2.1M SEK |
| Moderate | 500,000 SEK | 10,000 SEK | 7% | ~3.6M SEK |
| Aggressive | 500,000 SEK | 15,000 SEK | 9% | ~6.2M SEK |
Small changes in return rate or savings amount create dramatically different outcomes over two decades.
Beyond the projection
This calculator assumes a flat return and consistent contributions — real portfolios are more complex. Your return will fluctuate. Your savings rate will change. You'll add assets, take loans, inherit wealth, or exit companies.
That's exactly why tracking your actual net worth — not just projecting it — matters. Findex consolidates everything: listed equities, private holdings, real estate, crypto, and more. Know where you stand today, so you can optimize for tomorrow.
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